BSUM Environmental03112008

							                                                                                           ENVIRONMENTAL
                                                                                                    Focus

Berkley Specialty Underwriting Managers has assembled an experienced staff of insurance and environmental professionals to
meet your every environmental insurance need. The Environmental division of Berkley Specialty will customize a comprehensive
insurance program including the necessary environmental coverage for your clients. With the ability to provide both Business
Automobile Liability and Workers Compensation along with an array of environmental products, we provide “one-stop shopping”
for your environmental clients. Berkley Specialty Underwriting Managers has a selection of environmental and non-environmental
insurance products to meet the needs of your environmental contractor, environmental consultant or site specific facility risk.


ENVIRONMENTAL CONTRACTORS and CONSULTANTS
Eligibility: A minimum portion of annual revenues must be derived from environmental operations/services for an account to be considered for
the products below.
ENVIRONMENTAL COMBINED POLICY (ECP): Berkley Specialty understands the difficulty and cost associated with obtaining the various
insurance policies required to meet the needs of your environmental clients. To meet this need, we have developed one policy form that
combines the insurance products your clients require into a single contract. Our ECP policy provides liability coverage for bodily injury, property
damage and cleanup costs for your environmental contractors and consulting clients. The Contractors Pollution Liability coverage part is
available on either a claims made or occurrence basis. A single aggregate limit applies to the policy with separate deductible options available
for each coverage part.

Berkley Specialty offers Commercial General Liability, Contractors Pollution Liability, and Professional Liability under the ECP program to
qualified environmental contractors or consultants whose main business focus includes one or more of the following:

   Asbestos, lead & mold abatement                         Asbestos, lead & mold testing/consulting
   Clean-up, abatement, remediation, treatment,            Environmental site assessments – Phase I, II, & III’s
      neutralization of existing pollution conditions       Hazardous waste management and disposal
   Installation, removal, cleaning, maintenance, or        Compliance permitting, training, health and safety design,
      testing of underground or above ground storage        Sampling/laboratory analysis of pollutants
      tanks                                                 Environmental consulting
   Excavation of, construction of, or operation of a       Select geotechnical operations
      landfill, recycling facility, TSDF facility or        Waste brokering services
      wastewater treatment facility

CONTRACTORS POLLUTION LIABILITY (CPL): Our CPL can be written for contractors performing any of the above environmental
operations or any non-environmental contractor, regardless of operations. Coverage may be written on a claims made or occurrence basis.

The following are examples of eligible, non-environmental contractor services:
     General construction                                     Electrical/HVAC
     General contracting                                      Excavation/grading
     Demolition                                               Masonry/concrete
     Drilling (non-environmental)                             Pipeline construction/maintenance
     Painting                                                 Service station construction
     Street and road paving                                   Insulation
     Maintenance/janitorial                                   Other non-environmental contracting services

ENVIRONMENTAL CONSULTANTS LIABILITY (ECL): The ECL policy provides stand-alone Professional Liability coverage that can be written
for your environmental consultants.
Eligible environmental consultants are businesses whose main focus is performance of one or more of the following professional services:
   Testing monitoring or investigation of pollutants          Compliance permitting and training
   Environmental site assessments- Phase I, II,& III’s        Health and safety design
   Hazardous waste management and disposal                    Environmental consulting
   Soil & groundwater testing/analysis                        Select geotechnical operations
   Design of landfills or wastewater treatment                Waste brokering services
    facilities                                                 UST & AST testing
   Laboratory analysis of pollutants
CONTRACTORS AND CONSULTANTS POLICY (CCP): The CCP is a combined policy that includes both Contractors Pollution Liability (CPL)
and Environmental Consultants Liability (ECL) on one policy form with the CPL coverage part available on either a claims made or occurrence
form. This policy may be written on a stand-alone basis with or without the ISO Commercial General Liability policy.


The following additional coverages may be available in conjunction with the environmental products referenced above.


BUSINESS AUTOMOBILE LIABILITY: Berkley Specialty has the ability to write Business Auto Liability for both environmental contractors and
consultants. The Broadened Transportation Pollution Liability coverage can be endorsed onto the Business Auto Liability policy as needed.



WORKERS COMPENSATION: Berkley Specialty can provide Workers Compensation for both your environmental contractors and consulting
clients.


EXCESS LIABILITY: Excess Liability coverage is offered over the Commercial General Liability, Contractors Pollution Liability and Professional
Liability as well as the Business Auto Liability and Workers Compensation. Berkley Specialty must write the underlying Commercial General
Liability, Contractors Pollution Liability and/or Professional Liability. Although it is preferred, it is not required that Berkley Specialty writes the
underlying Business Auto Liability or Workers Compensation.


SITE SPECIFIC POLLUTION LIABILITY
SITE SPECIFIC POLLUTION LIABILITY (SSP): Site Specific Pollution Liability can be written on any fixed site facility, regardless of type.

Eligible facilities include, but are not limited to:
 Vacant land                                                   Bulk fuel storage terminals
 Shopping centers                                              Hazardous and non-hazardous waste landfills (Can also provide GL)
 Commercial buildings                                          TSDF’s (Can also provide GL)
 Golf courses                                                  Waste treatment facilities (Can also provide GL)
 Laboratories                                                  Recycling centers (Can also provide GL)
 Contaminated properties                                       Chemical manufacturers
 Warehouse/storage facilities                                  General manufacturing

COMMERCIAL GENERAL LIABILITY AND SITE SPECIFIC POLLUTION LIABILITY: Berkley Specialty offers Commercial General Liability
and Site Specific Pollution Liability either on a combined or stand alone basis.
Below are examples of facilities for which we offer Commercial General Liability and Site Specific Pollution Liability:

      Hazardous and non-hazardous waste landfills
      Recycling centers
      Waste treatment facilities
      TSDF’s (Transfer, Storage or Disposal Facilities)

The Berkley Specialty Environmental Team:

Bob Patterson            Tim Thomas                      Jason Wren               Tom Banks                    Eric Bibb                 Jane Plisko
Vice President           Assistant Vice President        Senior Underwriter       Senior Underwriter           Senior Underwriter        Senior Underwriter
404-443-2117             404-443-2118                    404-443-2119             404-443-2033                 404-443-2034              404-443-2010

Berkley Specialty Underwriting Managers
Three Ravinia Drive, Suite 500
Atlanta, GA 30346
Submission Email: environmentaluw@berkleysum.com

BERKLEY SPECIALTY UNDERW RITING MANAGERS – PRO VIDING INNO VATIVE SOLUTIONS
www.berkleysum.com

THE MATERIAL IN THIS PUBLICATION IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS NOT INTEDNED TO BE A REPRESENTATION OF COVERAGE THAT MAY EXIST IN ANY
PARTCILUAR SITUATION UNDER A POLICY ISSUED BY A MEMBER COMPANY OF BERKLEY SPECIALTY UNDERWRITING MANAGERS OR ITS AFFILIATES. ALL CONDITIONS OF COVERAGE, TERMS
AND LIMITATIONS ARE DEFINED AND PROVIDED FOR IN THE POLICY. PROGRAMS OR PRODUCTS MAY NOT BE AVAILABLE IN ALL STATES AND POLICY FEATURES MAY VARY BY STATE.